Link Customer's Bank Account and Debit Card
Harbor supports two ways for your customers to fund on-ramp transfers directly from their financial accounts — linking a bank account via ACH Pull, or binding a debit card.
Connect a U.S. bank account via a secure widget and initiate ACH Pull transfers to purchase stablecoin.
Bind a debit card through a hosted binding page and use it as a funding source for on-ramp transfers.
Comparison
| Bank Account (ACH Pull) | Debit Card | |
|---|---|---|
| Payment Method | ACH_PULL | DEBIT_CARD |
| Linking Flow | Bank connection widget | Card binding page |
| Source ID Prefix | clbacc_ | card_ |
| Transfer Parameter | source_linked_bank_account_id | source_linked_card_id |
| Transaction Limits | No per-transaction limit | Per-transaction, daily, weekly, monthly limits |
| Settlement Period | T+2 (Business Days) | T+1 (Business Day) |
For the complete list of supported card networks, card types, and country coverage, please refer to the Debit Card Support Coverage guide.
Settlement & Payment Lock Time
Transfers initiated from linked funding sources are subject to settlement periods and payment lock times. For detailed information on how this affects your funds availability, please refer to the Settlement & Payment Lock Time guide.
Prerequisites
Both methods require the following before a customer can link a funding source:
- Enable the corresponding payment method (
ACH_PULLorDEBIT_CARD) for your Application - Complete KYC verification for the customer (status:
VERIFIED) - Complete bank compliance onboarding for the customer (The Bank Onboarding status:
ONBOARDED) (for Link a Bank Account).